Bounty Circle · The Key to Bounty
Two fields, and you get your loan limit and monthly payment. We don't broker anything.
Why insurance advice costs nothing
So there is no reason to charge a consultation fee. If somewhere does charge one, that is the odd thing.
A licensed insurance agent looks at it in person, sets out what you hold, finds overlapping cover and gaps, and proposes a design. Whether to sign up is for you to decide once you have seen it.
How to get your cash flow onto one page, and how to check your own taxes and pension. It has nothing to do with selling products, so it leans towards no company.
Whether something is covered, what it costs, and whether you can be accepted all depend on your history, your disclosures, the policy wording and the insurer's underwriting. We do not state these as settled. The final judgement and the decision to enrol are always yours.
Order
Most people start from the third. That is why the numbers never add up.
Get it wrong and it leaks every month; get it right and it protects you in one go. We look at it first because it is a fixed cost and also the thing left untouched the longest.
What comes in, what goes out, what is left. Until it is on one sheet, nobody knows exactly.
Until the first two are sorted the numbers keep moving and no plan will hold. And we deal in proportions, not in particular holdings.
We look at it last, but the sums are the biggest. Filing is the accountant's job; our part goes as far as what to ask.
Concept volume · Read and understand
A licensed planner personally reviews your policy and lays out overlaps and gaps in a table.
FreeKRW
Book a free consultation
Practice volume · Where you do it
Financial Planning Report — Where Money Leaks and Where to Patch It. Includes a tax checklist and your pension status.
$219
Apply for Full Harvest
Monthly subscription · Klleon coaching
We read your policy face-to-face. And we'll let you know when a property that fits your situation comes up.
49,800 / monthKRW
Apply for Quiet Ease
What to work on first
01Concept volume · Read and understand
A licensed planner personally reviews your policy and lays out overlaps and gaps in a table.
FreeKRW
02Practice volume · Where you do it
Financial Planning Report — Where Money Leaks and Where to Patch It. Includes a tax checklist and your pension status.
$219
03Monthly subscription · Klleon coaching
We read your policy face-to-face. And we'll let you know when a property that fits your situation comes up.
49,800 / monthKRW
Community 〈Reviews〉
These are pulled straight from the “Reviews” board in the Community, filtered to this category. We've left out anything we wrote ourselves — only what members posted themselves.
FAQ
Yes. Since the planner's income comes from the insurer, there's no reason to charge you separately for the consultation. Everything from status analysis to plan proposals, sign-up support, and after-care is included.
We advise within what we can currently handle, and we tell you that range at the start of the consultation. We are preparing to move to an online agency, which will widen it.
We propose a design, but the decision is yours. Often the best move is to leave your current policy alone — and when it is, that is what we say.
It sits outside insurance — how to get income, spending, assets and debt onto one page, and how to check your own taxes and pension. It has nothing to do with selling products.
We don't. Recommending a particular security or product can count as investment advice under Korea's capital markets law, and that is not what we are licensed to do. Our part ends at showing you how to count what percentage of the whole it is.
We cannot state it as settled. Whether and how much is paid depends on what happened, the claim documents, the policy wording and the insurer's assessment. What we can do is set out the likely cover and the points that need checking.
No refunds. All ATOVIA products are digital (e-books, courses, online services), so you get access the moment payment goes through, and under Article 17, Paragraph 2, Item 5 of the Act on Consumer Protection in Electronic Commerce, the right of withdrawal doesn't apply. You'll need to check and confirm this on the payment screen before your payment can go through. That's why we've left a free trial open so you can try it before you buy. Monthly plans can be cancelled anytime and will stop from your next billing date. Purchases can't be transferred to another person or moved to a different account.
No. A purchase cannot be transferred to another person or moved to another account. That is part of why the price sits below list price.
Choose which one to look at first: insurance, spending, or savings.
